Rating based on 8 reviews

New Horizons


  • Short-term loans up to £5,000
  • Low-interest up to 49.9%
  • Repayment up to 36 months

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Author New Horizons. Screenshot of New Horizons website. [Accessed September 12, 2019]

About New Horizons

We are the leading provider of short-term loans for bad credit. We give everyone the same access to loans, including those who are struggling to be approved because of a bad credit rating.

Most conventional lending institutes will not consider applications from individuals with bad credit. At New Horizons, you can still and will get a short-term loan online with bad credit.

Fast loan approvals

We personally guarantee your acceptance; you do not need to worry about being approved. By using our soft credit match technology, we can find personalised loan quote from over 50 lenders best suited for to you without performing a credit check.

Short-term loans

As with other short-term loans, these loans are often for smaller amounts of money and feature a short repayment period; usually around one month. Specifically designed for people with bad credit, these short term loans provide people like you with instant access to funds in times of emergency.

New Horizons Services

If you are faced with unexpected financial problems and need a cash advance fast, then you should consider our online short term loans at new horizons.

Applying for a loan at our website is a piece of cake because you only need to visit our site and provide us with your basic information, get approved and your cash will be in your bank account in 15 minutes. Our online application process is user-friendly and there are no credit checks performed.

Apply online today

Secure and confidential 256-bit protection. Just fill out our online form and we will give you a guaranteed answer in few minutes. We find the best rate from a panel of lenders.

Instant loan approval

Any credit status is acceptable, we don't credit check, your status is not a problem. At New Horizon anyone can be approved. We match you with the right lender to get cash fast without a third party involved, you can get the needed payday loan with ease. Flexible repayment 100% no-obligation quote, we are available 24/7 for any question. You can create specific flexible repayment options that work best for you.

New Horizons Product Details

  • Loan Type Short-term loans
  • Interest Rate 49.9%
  • Loan Amount up to £5,000
  • Repayment 3 months to 36 months
  • Decision 15 minutes

Summary of Services

  • No hidden fees
  • Access your funds in 15 minutes
  • Repayment period is flexible

Get a quick and affordable short-term loan from New Horizons

To give everyone the same access to loans, many direct lenders are now offering a range of short-term loans to people who would have struggled to be approved in the past because of bad credit.

Understanding that traditional credit scores no longer offer a true reflection of your ability to repay a loan, many direct lenders in the UK are now focusing on more relevant details when assessing your application, including your current employment status

No credit checks when you apply for a loan

We are committed to finding the best loan to meet your personal circumstances from our panel of direct lenders. Details of loan repayments and terms will clearly be displayed before you to make the decision to accept an offer, with no obligation & no cost – We are the best way to find a loan with no credit check.

Why choose New Horizons?

  • 100% no obligation loan quote
  • We don't charge any fees, ever!
  • We don't credit check
  • No paperwork
  • Accept and get your cash in 15 minutes +
  • 100% secure

How do I apply for a short-term loan with bad credit?

We believe that having a bad credit score should not prevent you from getting a short-term loan when you need one. Thankfully, many direct lenders in the UK now agree with us. Therefore, to help people with bad credit scores get access to the short-term loans they need, we have created a simple application process.

Do short-term loans require a credit check?

If you apply for a short-term loan in the UK, the law requires the direct lender to perform a credit check on you. Whilst previously this would have likely made it difficult for people to get short-term loans if they had a bad credit score, many lenders are now changing how they assess a person’s suitability.

Many lenders now offer short-term loans for people with bad credit in the UK. As a result, an increasing number of people are passing credit checks despite having poor credit scores and are, therefore given equal access to short-term loans when they need them.

How do you find my best rate loan without needing an initial credit check?

Our soft credit match technology matches your profile to over 50 financial conduct authority (FCA) approved loan companies without leaving any mark on your credit record. With no obligation & no cost – it’s the best way to find a loan with no credit check.

What is needed to apply for a quick loan?

  • Be over the age of 18
  • Have a bank account with a credit card
  • Be employed
  • Have your wages paid into your bank
  • Be a UK resident

Customer Reviews & Testimonials

May 2019

Great company, their interest rates are very low

Chloe S
— Bristol —

May 2019

I paid for my children school fees with the loan I got from Lending Stream. This company has become my best friend

Florence A
— Liverpool —

April 2019

The service was amazing and very reliable company

Isaac F
— London —

New Horizons Contact Details

Physical Address

  • Building 3, 566 Chiswick High Street, Chiswick Park London England W4 5YA United Kingdom
  • Get Directions

Opening Hours

  • Monday Open – 24 hours
  • Tuesday Open – 24 hours
  • Wednesday Open – 24 hours
  • Thursday Open – 24 hours
  • Friday Open – 24 hours
  • Saturday Open – 24 hours
  • Sunday Open – 24 hours